Recognise Bank Jobs

Junior Portfolio Manager

Recognise Bank

Junior Portfolio Manager

Posted 7 Days Ago

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Milton Keynes, Buckinghamshire, England, GBR

Hybrid

35K-45K Annually

Junior

Fintech • Software • Financial Services

The Role

Support day-to-day management and servicing of an assigned loan portfolio, including arrears management, covenant testing, annual reviews, maturities, extensions, restructures, payment allocations, and stakeholder/customer engagement while ensuring compliance with policies and regulatory requirements.

Summary Generated by Built In

Hello,

We are Recognise Bank; a modern business bank built to support the UK’s SMEs with tailored lending and savings solutions. Founded in 2017 by experienced business owners, we set out to challenge traditional banking by offering more flexibility, understanding, and practical support to help businesses thrive. Since receiving our banking licence in 2021, we’ve built a loyal customer base and a strong, diverse team that puts people first.

Our vision is building stronger futures with bespoke financial solutions. We understand that no two financial needs are the same, which is why we work closely with UK SMEs and individuals to unlock potential others often overlook. Through smart, flexible lending and savings products, we’re here to build and grow stronger futures for lasting success.

Our values shape how we work and grow together:

💪 Can do, will do: We take ownership, solve problems, and adapt as our customers’ needs evolve.

✨ Be brilliant: We show up with curiosity and energy, always striving for better.

🤝 Do the right thing: We act with integrity, responsibility, and care in everything we do.

💡Make a difference: We focus on impact, helping our customers, colleagues, and communities succeed.

About the role

As a Junior Portfolio Manager, you will support the effective management, servicing, and monitoring of the loan portfolio. Working closely with the wider Portfolio Management team, you will help deliver excellent customer outcomes while ensuring portfolio activities are conducted in line with internal policies, procedures, and regulatory requirements. You will be responsible for the day-to-day management of an assigned loan book, supporting a range of loan lifecycle activities including arrears management, payment processing, customer engagement, annual reviews, loan maturities, extensions, covenant testing, and compliance reporting. The role requires interaction with customers and internal stakeholders to ensure timely and accurate servicing of facilities.

Key Responsibilities

Manage and maintain an assigned portfolio of loan accounts, ensuring all servicing activities are completed accurately and within agreed timeframes.

Monitor customer accounts to ensure they continue to meet the terms and conditions of their loans.

Complete covenant testing and identify any issues or potential risks, escalating them where necessary.

Carry out annual loan reviews, gathering and assessing customer information and documentation.

Manage loan maturities, including processing loan extensions, renewals, and redemptions.

Support loan restructures and other changes to customer facilities, ensuring all actions are completed accurately and on time.

Monitor overdue accounts and support arrears management activities, working with customers to achieve positive outcomes.

Monitor payments across different system to support any allocation

Build strong relationships with customers through regular contact and excellent customer service.

Work closely with teams across Credit, New Business, Legal, Operations, and Risk to support the effective management of the portfolio.

Ensure all activities are completed in line with company policies, procedures, and regulatory requirements.

Support Senior Operation Manager in driving performance against SLAs and KPIs.

Required Skills & Experience

Managing loan portfolios and customer relationships

Handling arrears and collections activity

Experience within bridging finance or similar lending products

Managing loan lifecycle events such as maturities, extensions and redemption

Experience using loan management systems (e.g. nCino)

Microsoft Excel and reporting skills

Financial analysis and interpretation

Customer relationship

Loan servicing and administration

Understanding of lending regulations and compliance requirements

Payments and collections understanding

Desirable:

CeMAP (Certificate in Mortgage Advice and Practice)

LIBF Banking & Finance qualifications

Why join?

At Recognise Bank, we're building more than a bank — we’re creating a culture where people feel empowered to make a difference 💡, supported to be brilliant ✨ with a can do will do attitude, and trusted to do the right thing 🤝.

We believe that when our people thrive, so do our customers. That’s why we invest in an environment that reflects our values and supports your growth, flexibility, and wellbeing.

Here’s what you can look forward to:

🌴 Competitive Time Off – Generous annual leave plus bank holidays to rest, recharge, and enjoy life outside of work.

🌍 Work From Anywhere – Up to 6 weeks per year to work remotely from anywhere in the world.*

📚 Learning & Development – Tailored training and support to grow your skills and achieve your professional goals.

🏠 Hybrid Working – To support your work-life balance, we offer a hybrid working model with 3 days in the office and 2 days remote.**

🩺 Private Medical Care with Vitality – Comprehensive healthcare coverage to keep you healthy.

💼 Enhanced Pension Scheme – Helping you plan and save for a secure future.

👶 Maternity, Paternity & Adoption Pay – Supporting you and your family during important life moments.

🎉 Discretionary Company Bonus – Rewarding your contribution to our shared success.

If you're curious, driven, and ready to be part of something meaningful — where your ideas matter, your growth is supported, and your work makes a real impact — then we’d love to hear from you.

*Subject to company policy.

**This arrangement may vary during the induction period.

Skills Required

Managing loan portfolios and customer relationships
Handling arrears and collections activity
Experience within bridging finance or similar lending products
Managing loan lifecycle events such as maturities, extensions and redemption
Experience using loan management systems (e.g. nCino)
Microsoft Excel and reporting skills
Financial analysis and interpretation
Customer relationship
Loan servicing and administration
Understanding of lending regulations and compliance requirements
Payments and collections understanding
CeMAP (Certificate in Mortgage Advice and Practice)
LIBF Banking & Finance qualifications

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The Company

HQ: London

65 Employees

Year Founded: 2017

What We Do

Recognise Bank was founded in 2017 by experienced business owners who recognised the disconnect between traditional business banking and the needs of modern SMEs. We were frustrated with the lack of understanding, certainty and flexibility offered within the industry. In short, we believed that we could build a better bank. And so, we did. We received our banking licence in 2021 and quickly grew our community of loyal business and personal customers, with the help of our dedicated, diverse, and expert team. Recognising our customers is at the heart of what we do. Today, our hard work and customer centricity is demonstrated by our excellent rating on Trustpilot. We offer a range of award-winning, secure FSCS protected savings accounts with competitive interest rates for individuals and businesses alike. Recognise Bank is authorised by the Prudential Regulatory Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulatory Authority (PRA). Our eligible saving products are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 for individuals and businesses and £170,000 for joint accounts. We also offer a range of specialist lending products, and we aim to be as flexible as possible with all of our offerings and services, no matter what your business needs. It’s why our customers, brokers and partners love working with us. 🌟 Rated ‘Excellent’ on Trustpilot 🌟 Rated 4.88/5 on Smart Money People 🌟 Rated 4.6/5 on Google 🏆‘Commended’ for the Best Business Variable Rate Deposit Account Provider at the 2024 Business Moneyfacts Awards 🥇Winner of the Best Monthly Interest Savings Provider at the 2024 Moneynet Personal Finance Awards